Call reports 2018
VERMILION BANK & TRUST COMPANY — 2018
What VERMILION BANK & TRUST COMPANY reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 113,186,000 | 110,973,000 | 110,451,000 | 127,800,000 |
| Total loans | 74,838,000 | 75,528,000 | 75,607,000 | 72,380,000 |
| Allowance for loan losses | 699,000 | 788,000 | 876,000 | 964,000 |
| Securities available for sale | 27,114,000 | 26,725,000 | 26,089,000 | 37,643,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,403,000 | 97,874,000 | 97,031,000 | 115,087,000 |
| Interest-bearing deposits | 78,458,000 | 76,748,000 | 76,067,000 | 92,566,000 |
| Noninterest-bearing deposits | 21,945,000 | 21,126,000 | 20,964,000 | 22,521,000 |
| Equity capital | 11,281,000 | 11,388,000 | 11,480,000 | 11,528,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 1,240,000 | 2,497,000 | 3,762,000 | 5,004,000 |
| Interest expense | 67,000 | 125,000 | 198,000 | 290,000 |
| Net interest income | 1,173,000 | 2,372,000 | 3,564,000 | 4,714,000 |
| Noninterest income | 202,000 | 407,000 | 797,000 | 1,022,000 |
| Noninterest expense | 888,000 | 1,792,000 | 2,839,000 | 3,629,000 |
| Provision for loan losses | 120,000 | 240,000 | 360,000 | 470,000 |
| Pretax income | 372,000 | 752,000 | 1,167,000 | 1,641,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 372,000 | 752,000 | 1,167,000 | 1,641,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,580,000 | 11,719,000 | 11,891,000 | 11,776,000 |
| Total capital | 12,279,000 | 12,507,000 | 12,767,000 | 12,724,000 |
| Risk-weighted assets | 77,991,000 | 77,422,000 | 77,256,000 | 75,865,000 |